Consolidated Balance Sheets in thousands, except share and per share data (USD $)	Dec. 31, 2011		Dec. 31, 2010
ASSETS
Cash and due from banks	$ 9,785		$ 6,673
Interest earning deposits at other financial institutions	32,141		62,339
Total cash and cash equivalents	41,926		69,012
Investment securities - Available for Sale ("AFS"), at estimated fair value	129,906		58,474
Loans, net	227,721	[1]	174,010	[2]
Premises and equipment, net	1,095		988
Federal Home Loan Bank ("FHLB") stock	1,265		1,301
Federal Reserve Bank ("FRB") stock	1,697		2,026
Accrued interest and other assets	1,664		2,553
Total Assets	405,274		308,364
LIABILITIES AND STOCKHOLDERS' EQUITY
Non-interest bearing demand deposits	122,843		91,501
Interest bearing checking ("NOW")	20,739		33,632
Money market deposits and savings	142,061		72,757
Certificates of deposit less than $100	1,956		2,522
Certificates of deposit of $100 or greater	44,855		57,577
Total deposits	332,454		257,989
Other borrowings	25,000		2,000
Accrued interest and other liabilities	2,769		4,037
Total Liabilities	360,223		264,026
Commitments and contingencies		[3]		[3]
Stockholders' Equity:
Preferred stock	0	[4]	0	[5]
Common stock	108	[6]	107	[7]
Additional paid-in capital	64,488		64,069
Accumulated deficit	(13,841)		(14,866)
Accumulated other comprehensive income	1,567		838
Treasury stock	(7,271)	[8]	(5,810)	[9]
Total Stockholders' Equity	45,051		44,338
Total Liabilities and Stockholders' Equity	$ 405,274		$ 308,364

[1] net of allowance for loan losses of $5,284 at December 31, 2011

[2] net of allowance for loan losses of $5,283 at December 31, 2010

[3] note 9

[4] $0.01 par value, 10,000,000 shares authorized, none issued and outstanding at December 31, 2011

[5] $0.01 par value, 10,000,000 shares authorized, none issued and outstanding at December 31, 2010

[6] $0.01 par value, 50,000,000 shares authorized, 10,841,033 issued at December 31, 2011

[7] $0.01 par value, 50,000,000 shares authorized, 10,672,676 issued at December 31, 2010

[8] at cost, 1,769,248 shares at December 31, 2011

[9] at cost, 1,370,385 shares at December 31, 2010